Hi all,
Just an FYI- i was recently speaking with my insurance agency manager, and he told me:

"Hey, just so you know- your policy provides full coverage, even when you are running your car at the track Watkin's Glen"..

I was honestly stunned, i thought it was "common knowledge" that your insurance "shut off" the moment you hit the track. He told me that Liberty Mutual is one of two companies in the country that honor their policies even with track driving. I don't recall the other, he told me "Chub" or something like that..

Just thought some of you may like to know, not pushing Liberty Mutual, but i am glad to know, for sure!! Oh, he also let me know that they were one of few companies that authorize OEM parts for repairs without a fight.

Good to know that not every company is out to screw you over..
Jeremiah

 

ya... my comp said the same thing too.. Its great hearing this. Hope to see more at the track.

 

What???

Name your insurance providers please

 

Make sure to confirm just what sort of event if covered. Usually "timed" events are NOT covered but HPDE (hi performance drives education) events are.

 

uh pretty much all insurance companies cover it as its considered a driving improvement course as long as its not an actual race event. although i never crashed my bike at the track it was covered as well.

 

No, this couldn't be more wrong. Most companies do NOT cover track days or any event on a "racing surface" regardless if they're driving training or not. Read your policy to be sure.

 

Chub has a seperate insurance package for track use available. They have a min premium of $1,000 for 10 events/yr w/ a $1,000 deductible. I was quoted $1,000 premium for 10 events/yr w/ a $1,000 deductible on a vehicle w/ an estimated value of $33,000

 

Would that also cover race events? (not just high performance driving school)

 

I don't believe so. I believe the premiums would be drastically different for full race. The insurance agent I spoke to said the coverage I was looking at covers track use w/o a timing device, but when I asked him about transponder use he said that's ok.

http://www.wsibinsurance.com/

 

bump...bump, what about if someone hits you accidentally at the track, what now? cover or not?

 

^ believe it won't, don't you sign a waiver before going onto the track?

 

not yet josh, im still doing some research. and i believe there's a waiver in regards to insurance.

 

Won't your own insurance work with the other parties? If the opposite sides insurance rejects, yours will file for non-insured motorist?

Also, whats a good beginners helmet <$200.

 

im going to contact my agent today and check my policy and for the helmet check amazon. Im waiting for my helmet to arrive this week. Im going to fontana speedway for ccw procourse roval. im doing a bit search on getting my car track ready...

 

I called GEICO a while back and posted on it. They will cover any damage on the track as long as there was no stunting, demolition, or actual racing. We are good.

You guys should be with GEICO just for the price let alone the superior coverage